The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL C 02079K107 361 308 SH   SOLE   0 0 308
AMAZON COM INC COM 023135106 1,106 621 SH   SOLE   0 0 621
BANK AMER CORP COM 060505104 235 8,500 SH   SOLE   0 0 8,500
CALAVO GROWERS INC COM 128246105 265 3,155 SH   SOLE   0 0 3,155
CELGENE CORP COM 151020104 327 3,467 SH   SOLE   0 0 3,467
DBX ETF TR XTRACK MSCI JAPN 233051507 713 17,908 SH   SOLE   0 0 17,908
ENDURANCE INTL GROUP HLDGS I COM 29272B105 498 68,639 SH   SOLE   0 0 68,639
FIDELITY MSCI FINLS IDX 316092501 426 11,350 SH   SOLE   0 0 11,350
FIDELITY MSCI HLTH CARE I 316092600 1,019 22,888 SH   SOLE   0 0 22,888
HUAZHU GROUP LTD SPONSORED ADS 44332N106 506 12,000 SH   SOLE   0 0 12,000
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 340 6,454 SH   SOLE   0 0 6,454
INVESCO QQQ TR UNIT SER 1 46090E103 3,462 19,236 SH   SOLE   0 0 19,236
ISHARES INC CORE MSCI EMKT 46434G103 5,846 113,059 SH   SOLE   0 0 113,059
ISHARES INC MSCI PAC JP ETF 464286665 549 11,955 SH   SOLE   0 0 11,955
ISHARES TR 1 3 YR TREAS BD 464287457 4,954 58,889 SH   SOLE   0 0 58,889
ISHARES TR 20 YR TR BD ETF 464287432 5,363 42,417 SH   SOLE   0 0 42,417
ISHARES TR CORE MSCI EAFE 46432F842 8,805 144,891 SH   SOLE   0 0 144,891
ISHARES TR CORE S&P MCP ETF 464287507 2,035 10,744 SH   SOLE   0 0 10,744
ISHARES TR CORE S&P SCP ETF 464287804 3,354 43,471 SH   SOLE   0 0 43,471
ISHARES TR CORE S&P500 ETF 464287200 6,121 21,509 SH   SOLE   0 0 21,509
ISHARES TR CUR HD EURZN ETF 46434V639 1,504 51,233 SH   SOLE   0 0 51,233
ISHARES TR EAFE GRWTH ETF 464288885 2,336 30,155 SH   SOLE   0 0 30,155
ISHARES TR EAFE SML CP ETF 464288273 1,961 34,135 SH   SOLE   0 0 34,135
ISHARES TR HDG MSCI EAFE 46434V803 407 14,081 SH   SOLE   0 0 14,081
ISHARES TR IBOXX HI YD ETF 464288513 242 2,794 SH   SOLE   0 0 2,794
ISHARES TR IBOXX INV CP ETF 464287242 2,261 18,994 SH   SOLE   0 0 18,994
ISHARES TR JPMORGAN USD EMG 464288281 1,072 9,744 SH   SOLE   0 0 9,744
ISHARES TR MIN VOL USA ETF 46429B697 1,362 23,167 SH   SOLE   0 0 23,167
ISHARES TR MRGSTR MD CP ETF 464288208 452 2,403 SH   SOLE   0 0 2,403
ISHARES TR MSCI ACWI ETF 464288257 255 3,541 SH   SOLE   0 0 3,541
ISHARES TR MSCI EAFE ETF 464287465 466 7,185 SH   SOLE   0 0 7,185
ISHARES TR MSCI EMG MKT ETF 464287234 1,866 43,479 SH   SOLE   0 0 43,479
ISHARES TR PFD AND INCM SEC 464288687 452 12,380 SH   SOLE   0 0 12,380
ISHARES TR RUS 1000 GRW ETF 464287614 2,335 15,426 SH   SOLE   0 0 15,426
ISHARES TR RUS 2000 GRW ETF 464287648 436 2,218 SH   SOLE   0 0 2,218
ISHARES TR RUS MID CAP ETF 464287499 612 11,336 SH   SOLE   0 0 11,336
ISHARES TR RUSSELL 2000 ETF 464287655 1,260 8,228 SH   SOLE   0 0 8,228
ISHARES TR S&P 500 GRWT ETF 464287309 445 2,582 SH   SOLE   0 0 2,582
ISHARES TR S&P 500 VAL ETF 464287408 407 3,613 SH   SOLE   0 0 3,613
ISHARES TR S&P SML 600 GWT 464287887 219 1,230 SH   SOLE   0 0 1,230
ISHARES TR ULTR SH TRM BD 46434V878 216 4,286 SH   SOLE   0 0 4,286
MICROSOFT CORP COM 594918104 1,197 10,151 SH   SOLE   0 0 10,151
NEXTERA ENERGY INC COM 65339F101 300 1,550 SH   SOLE   0 0 1,550
ROSS STORES INC COM 778296103 1,443 15,500 SH   SOLE   0 0 15,500
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 156 4,979 SH   SOLE   0 0 497,900
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 341 10,563 SH   SOLE   0 0 10,563
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 3,825 33,598 SH   SOLE   0 0 33,598
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 293 5,221 SH   SOLE   0 0 5,221
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 7,036 76,692 SH   SOLE   0 0 76,692
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 3,393 131,985 SH   SOLE   0 0 131,985
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 1,508 20,093 SH   SOLE   0 0 20,093
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 347 5,963 SH   SOLE   0 0 5,963
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 9,777 132,123 SH   SOLE   0 0 132,123
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,469 29,854 SH   SOLE   0 0 29,854
SPDR SERIES TRUST BLMBRG BRC CNVRT 78464A359 1,177 22,534 SH   SOLE   0 0 22,534
SPDR SERIES TRUST BLOOMBERG BRCLYS 78464A417 644 17,908 SH   SOLE   0 0 17,908
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 2,079 37,284 SH   SOLE   0 0 3,728,400
VANGUARD GROUP DIV APP ETF 921908844 1,450 13,165 SH   SOLE   0 0 13,165
VANGUARD INDEX FDS GROWTH ETF 922908736 3,874 24,699 SH   SOLE   0 0 24,699
VANGUARD INDEX FDS TOTAL STK MKT 922908769 470 3,246 SH   SOLE   0 0 3,246
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,360 57,502 SH   SOLE   0 0 57,502